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0% INTEREST FOR 6 MONTHS EASY PAY ("Easy Pay")

Terms and conditions

  1. This Easy Pay offer is applicable only to those credit Cardholders selected for the campaign and communicated to by the Bank either through an SMS, email, internet banking or tele-calling.
  2. The Easy Pay Offer is NOT applicable on Saadiq credit cards.
  3. The Easy Pay loan shall be repayable in 6 equal monthly instalments ("EMI").
  4. The credit limit on the Standard Chartered Credit Card will be blocked by the amount of the Easy Pay. An amount equal to the EMI paid will be released every month.
  5. The EMI will be included in the monthly credit card statement of account as the "minimum amount due". In the event that the customer fails to make payment of this "minimum amount due", the credit card shall be charged with interest on the unpaid balance at the applicable rate in accordance with the credit card terms and conditions.
  6. If the credit card account is closed by the customer or the Bank before all EMI have been charged, then all of the future EMI shall be accelerated and debited to the final credit card Statement of Account as one figure.
  7. If at the time of processing the Easy Pay the retail balance is less than the amount stated for booking then the Easy Pay will not be processed.
  8. The Cardholder has to call the Bank at least 7 days before his/her credit card billing date when requesting for the Easy Pay. Purchases made less than 7 days to the billing date are not eligible for the Easy Pay.
  9. The Bank is entitled to accelerate all future equal monthly instalments and forthwith debit the credit card statement of account with the same, on:
    1. The failure to make payment of an Equal Monthly Instalment; or
    2. An application for bankruptcy or if bankruptcy proceedings have been initiated against the customer or
    3. A court order has been issued to freeze the customer's accounts; or
    4. The customer's death.
  10. No Interest shall be levied on the Easy Pay account for the selected month. All other outstanding on the credit card shall continue to accrue interest at the prevailing interest rate.
  11. A one-time processing fee, as communicated either through an SMS, email, internet banking or tele-calling, to the Cardholder by the Bank, will be charged to the credit card account subject to a minimum of AED 100. The processing fee charged will be subject to interest at the prevailing interest rate.
  12. In case of pre-closure of the Easy Pay, a charge of 2% of outstanding principal amount will be levied subject to a minimum charge of AED 250.
  13. The minimum amount / transaction available from the Bank under Easy Pay is AED 1,000.
  14. The Bank may, in its sole and absolute discretion and without notice, withdraw or revise this Easy Pay.
  15. This Easy Pay will be made available at the sole and absolute discretion of the Bank to selected credit card members.
  16. These terms and conditions are in addition to and supplementary to the terms and conditions applicable to all credit card accounts as contained in the credit card Agreement.

0.79% Fixed Payment Plan ("FPP")

Terms and conditions

  1. The Fixed Payment Plan ("FPP") amount requested will be debited to the Standard Chartered Credit Card ("credit card") and will be remitted to the bank account specified by way of an electronic funds transfer within 10 working days from the date of the approval of the application by the Bank, if applicable.
  2. The amount shall be repayable in equal monthly instalments ("EMI") in accordance with the duration specified (the "Duration").
  3. The credit limit on the Standard Chartered Credit Card will be blocked by the amount of the FPP. An amount equal to the EMI paid will be released every month.
  4. The EMI will be included in the monthly credit card statement of account as the "minimum amount due". In the event that the customer fails to make payment of this "minimum amount due", the credit card shall be charged with interest on the unpaid balance at the applicable rate in accordance with the credit card terms and conditions.
  5. If the credit card account is closed by the customer or the Bank before all EMI have been charged, then all of the future EMI shall be accelerated and debited to the final credit card Statement of Account as one figure.
  6. The Bank is entitled to accelerate all future equal monthly instalments and forthwith debit the credit card statement of account with the same, on:
    1. The failure to make payment of an Equal Monthly Instalment; or
    2. An application for bankruptcy or if bankruptcy proceedings have been initiated against the customer; or
    3. A court order has been issued to freeze the customer's accounts; or
    4. The customer's death.
  7. The interest rate selected and tenure selected shall be levied on the FPP amount. All other outstandings on the credit card account shall be levied interest at the prevailing interest rate.
  8. No processing fee will be charged to the card account.
  9. The minimum amount available from the Bank under FPP is AED 2,000.
  10. In case of pre-closure of the FPP, a charge of 2% of the outstanding amount will be levied subject to a minimum amount of AED 250.
  11. The Bank may, in its sole and absolute discretion and without notice, withdraw or revise this FPP.
  12. This Fixed Payment Plan ("FPP") will be made available at the sole and absolute discretion of the Bank to selected credit card members.
  13. These terms and conditions are in addition to the supplementary to the terms and conditions applicable to all credit card accounts as contained in the credit card Agreement.